www.iva.co.uk

As our loans were all protected, why is it that these can't protect you when you have a reduction of income?

The payments are very high and now when you need the help it appears that you have wasted your money and would have cleared the debts in half the time, and probably not got in this situation.

Because that would be a very difficult cover to underwrite, as it does not relate to a specific change in circumstances and would be subject to interpretation.